Underwriter

Accountabilities: As an Underwriter, you will be responsible for evaluating mortgage applications, assessing financial risk, and ensuring that lending decisions comply with applicable requirements. Your responsibilities will include: Review and analyze mortgage loan applications and supporting financial documentation. Evaluate borrower creditworthiness, financial stability, and overall lending risk. Assess loan eligibility and ensure applications meet internal underwriting standards and applicable regulatory guidelines. Make informed underwriting decisions using sound judgment, discretion, and advanced analytical skills. Communicate underwriting decisions, approval conditions, and additional documentation requirements to Loan Officers and Loan Processors. Collaborate with internal departments to resolve loan-related issues and facilitate efficient application processing. Identify potential risks, inconsistencies, and gaps in loan documentation and determine appropriate next steps. Maintain up-to-date knowledge of mortgage lending regulations, industry standards, and internal policies. Contribute to loan quality, risk management, and the profitability of mortgage operations. Uphold professional standards of honesty, objectivity, maturity, and efficiency in all underwriting activities. Perform additional duties and responsibilities as assigned by management. Requirements The ideal candidate will have extensive mortgage underwriting experience, strong financial analysis capabilities, and the ability to make accurate, well-informed lending decisions. The following qualifications are expected: Bachelor's degree in Finance, Business Administration, or a related field. At least 5 years of professional experience in mortgage underwriting. Strong knowledge of mortgage lending regulations, underwriting standards, and applicable compliance requirements. Demonstrated ability to assess borrower creditworthiness, evaluate financial documentation, and identify potential lending risks. Excellent analytical, critical-thinking, and decision-making skills. Strong attention to detail and the ability to interpret complex financial information. Proficiency in mortgage underwriting software and Microsoft Office applications. Excellent verbal and written communication skills. Ability to communicate underwriting decisions and requirements clearly to internal stakeholders. Strong organizational skills and the ability to manage multiple loan applications and priorities. High level of integrity, objectivity, accountability, and professional maturity. Ability to exercise independent judgment and discretion when handling complex underwriting situations. Commitment to efficiency, accuracy, and adherence to company policies and regulatory standards. Physical Requirements: Ability to stand and walk for up to 4 consecutive hours or a full 8-hour workday. Ability to sit for extended periods. Ability to kneel, bend at the waist, and navigate stairs and uneven terrain. Ability to use hands and fingers for handling and manipulating objects. Ability to reach with hands and arms. Ability to communicate verbally and hear effectively. Ability to lift and/or move objects weighing up to 25 pounds. Visual abilities required include close vision, distance vision, color vision, and peripheral vision. Benefits Competitive salary. Performance-based bonus opportunities. Comprehensive health, dental, and vision insurance. Retirement savings plan with employer matching contributions. Professional development and training opportunities. Opportunities for career growth and advancement. Supportive and collaborative working environment. Remote work arrangement based in Texas.